AEROSPACE PARK, BANGALORE NORTH

A GUIDE TO EVERYTHING YOU NEED TO

KNOW ABOUT YOUR BRAND NEW HOME

Artist's impression
Artist's impression
 AEROSPACE PARK, BANGALORE NORTH

Welcome!
We are delighted that you have chosen Brigade Group as your trusted
real estate partner. We understand the importance of owning a home
and how significant of a milestone it is.

For this reason, we have put together this guidebook to better acquaint
yourself with the process of becoming a proud homeowner.

*This document is property of the Brigade Group. Content pertaining to government/tax/rates/external agencies are subject to change.
Readers are advised to refer to relevant guidelines prior to taking any decisions based on provided information.
Artist's impression
 Table of Contents
1. Your Journey Begins -

I. Booking form 5

II. Understanding your cost sheet 6

III. Construction Linked Payments 8

2. TDS 9-10

3. Onboarding Details 11

4. Home Loan 12-13

5. Allotment 14

6. Agreement 15

7. Collection 16-17

8. Registration 18-19

9. Handover 20

10. Brigade Plus 21

11. Referrals 22

*This document is property of the Brigade Group. Content pertaining to government/tax/rates/external agencies are subject to change.
Readers are advised to refer to relevant guidelines prior to taking any decisions based on provided information.
 A guide to everything you need to know
about your brand new home
This guidebook, we hope, serves its purpose of clarifying and answering any and all
doubts you might have as a homebuyer.

The below diagram will be your journey tracker throughout this book.

BOOK

BOOKING & AGREEMENT REGISTRATION HANDOVER

ONBOARDING & COLLECTION

We hope that the online booking form eased your process of selecting a home of your choice.
It is important to us to know our customers, therefore, the following self-attested documents
received during the online booking formalities will help us connect with you better in the future:

PAN Passport size Address proof

card copy photograph copy

Online booking form and its importance

The information that was provided by you in the booking form is important because the same
appears on your Allotment Letter, Agreement of Sale, Sale Deed and other important documents.
Hence, errors should be avoided. Once the form is submitted, it is approved by our Sales Team
and sent to you for final approval. Therefore, we request you to take the time to review and
cross-check all details such as salutations, full name, spellings, cost sheet, address, terms and
conditions, etc., before digitally signing off the form, on the SignEasy platform. (We advise you to
check if you have entered the same name as is mentioned in the KYC documents; few banks
insist names are as per what's mentioned on PAN/AADHAR documents, for the purpose of
home loan disbursement.
5
• In case you have completed final approval of the booking form and have any updates/
changes in the information provided, call the toll-free number 1800 102 9480 (NRI- 96112
18222) or write to [email protected] with the appropriate proof of documents
for the change to be made. Please note, making these changes will attract additional
charges towards stamp paper re-procurement.

Your cost sheet is equally important and understanding it is crucial.

Explained below are various segments of your cost sheet:

1. Total base rate –

Super built-up area in sqft/sqm x Price of super built-up area per sqft/sqm.

• Carpet area (as per RERA) –

Net usable floor area of an apartment, excluding the area covered by the external walls,
areas under service shafts, exclusive balcony or verandah area and exclusive terrace area,
but includes the area covered by the internal partition walls of the apartment.

• Super built-up area (as per RERA) –

Carpet area + Balcony area if applicable, external wall thickness and share of
common areas.

Agreement Value –
(Base price cost + Floor rise charges + PLC) x Size of particular unit [given alongside the cost
sheet] + Parking charges + Terrace rate (if applicable)

Government stamp duties, registration charges, etc. are paid as a % on this Agreement
Value.

6
 2. Fees, taxes and additional expenses:
(not part of the fixed Agreement Value, but subject to GST and TDS*)

5% GST on Agreement Clubhouse fee, 0.1% on Agreement Building maintenance

Value, which is collected generator charges, gas Value or Rs. 20,000/-, charges for 12 months +
with every payment connection, service whichever is lower, GST at 18% (9%
installment. charges towards payable towards towards CGST and 9%
(GST at 1% for property assurance and stamp duty charges towards SGST)
affordable housing sub-numbering, solar to prepare the collected up-front.
and no GST for water heater charges Agreement of Sale.
ready-to-move-in (top two floors only)
projects.) all at 5% GST/ each.

Irrespective of project GST, the following services are charged at 18% GST (9% CGST and
9% IGST) for under construction and ready-to-move-in projects:

• Maintenance fees • Cancellation fee • Electrical charges • Legal fee (this is not
applicable if paid directly to the advocates) • Shifting charges • Transfer fee • Brigade
Plus charges (interior design)

Q) Still charged a GST of 12%?

GST at 12% is charged on projects which were “ongoing” as of March 31, 2019 (8% for
affordable housing). Projects that commenced on April 1, 2019 or later came under the new
GST regime of 5% for regular homes and 1% for affordable homes.
For all completed projects, there is no GST charge.

7
3. Construction Linked Payments (CLP)

Your payment schedule is based on Construction Linked Payments. Agreement Value of the
apartment is split into installments which become payable upon achievement of the
associated construction milestone. You will receive the invoice and demand letter
periodically, as and when the specified construction milestones are achieved. We request
you to make the payment before the due date mentioned on the demand note.

A detailed breakup We recommend you For a ready-to-

and percentage of the make all payments move-in property,
Agreement Value to through the Razorpay the payments are to
be paid at each stage link shared in the be made as per the
will be mentioned in demand note. dates mentioned in
the cost sheet. your Cost sheet/
Allotment letter/
Agreement to sell.

Q) How do I get progress update for the work happening at the site?

Progress pictures are updated on a monthly basis on the respective project microsite.
The microsite link is available on the customer portal, as well as the Payment Request
note that you receive on a regular basis. Please note that progress updates are not sent
or emailed but instead are available in real time on the project website.

8
 TDS – What, When, Where

Tax Deduction at Source or TDS is mandated under Section 194-IA of the Income-Tax Act.

It states that the buyer needs to pay applicable withholding tax, currently at 1%*, if the sale
consideration for the property (including agreement Value and additional expenses; excluding
stamp duty and sinking fund) being paid to the seller is Rs. 50 lakhs* and above. This tax must be
paid by the customer to the Government account.

Link to pay the TDS - https://onlineservices.tin.egov-nsdl.com/etaxnew/tdsnontds.jsp

The TDS should be deducted The TDS is to be paid by no later than

at the time of each installment the 30th of the subsequent month. Any
payment made to us. delay in the TDS payment will result in
heavy penalty and delay-interest fines
by the authorities.

Once TDS is paid, please log into the TRACES website using this link-
https://contents.tdscpc.gov.in/ and download Form 16B.

Please note, it takes approximately 7 days from the time of making the payment for Form 16B
to be available to download. To reflect in the Statement of Accounts, proof of payment of
TDS - Form 16B needs to be shared with [email protected].

TDS Certificate or Form 16B must be issued to Brigade before the due date of the mile-
stone demand letter.

9
Still have doubts about TDS? Not a problem.
Here's a simple example to help you understand better:

Let’s say you are buying a property worth Rs. 90 L; you will pay a deducted amount of Rs.
89,10,000 to Brigade and the remaining 1%*, i.e., 90,00,000-89,10,000 = Rs. 90,000 to
the government as TDS.
For all individual payments on which TDS is applicable, deduct the TDS applicable
on the Bill Value amount from the Total Payable amount when making the payment
to Brigade.
This way you needn’t pay any extra amount. Most importantly however, do not forget to
share the Form 16B with us to complete the process.

Q) Will Brigade pay TDS on my behalf?

No. TDS on property is payable to the government by the purchaser of the property and
we will not be able to remit the same on behalf of our customers. However, any TDS
payment made will be adjusted toward your unit upon sharing the Form 16B proof of
payment of TDS.

We have provided a detailed TDS e-tutorial on your customer portal for your perusal,
if and when required.

10
 Your onboarding starts now
Once we receive your booking amount, you will receive a welcome call within 2-3
days for document verification purposes and to guide you with your next steps in
the process.

After the welcome call you will receive a welcome e-mail, with the TDS tutorial
attached. As mentioned earlier, TDS must be deducted and paid to the Government
towards every full/partial installment/payment made to Brigade.

• You will receive access to MYKEY, via e-mail, soon after the booking. This is an
e-management customer portal with all information relating to your unit/ project.

All the necessary documents including legal documents, payment requests/demand

letters, receipts, unit specific documents, construction updates, link of the project
website where progress pictures are uploaded, etc., are readily available.

You can generate updated Statement of Accounts and raise service requests or
log complaints through MYKEY. The e-mail will contain your login credentials,
please activate the portal by resetting the password.

• You will also receive a call from our in-house home loan team to initiate your home
loan process, if you have opted for home loan assistance.

• For any queries or requests with regard to your unit, feel free to write to
[email protected] only through your registered email ID (primary
applicant’s email ID) or call the toll-free number - 1800 102 9480 (NRI- 96112
18222). Our Customer Connect Team is readily available on all days between 9 AM
to 7 PM.

11
Home Loan:

Initiate your home loan process by approaching Brigade In-house Home Loan Team
- a one stop shop for all your home loan requirements. We have tied up with all leading HFIs*
to provide a hassle-free home loan experience for our esteemed customers. This can be
initiated immediately after the booking is completed.

Say that you have approached Bank X for the loan, our representative banker from X will
follow up with you, collect the required documents and will be the one coordinating
with the builder for any further requirements.

What documents are required from home loan applicants? While some banks may request
additional documents, most banks will require the following documents for applicants:

List of papers/ documents applicable to all applicants:

Employer Completed Loan Proof of Identity Proof of Residence/

Identity Card Application with 3 (any one): Address (any one):
(for salaried passport size PAN/ Passport/ Recent copy of
applicant) photographs. Driver’s License/ Telephone
Voter ID

Account Statements:

• Last 6 months bank account statements for all bank accounts held by the Applicant(s)
(particularly Salary A/c statement).
• If any previous loan taken from other Banks/Lenders, then Loan A/c statement for last 1 year.

*Housing Financial Institution

12
 Income Proof for Salaried Applicant/ Co-applicant/ Guarantor:

• Salary Slip or Salary Certificate of last 3 months, copy of Form 16 for last 2 years
or copy of IT returns for last 2 financial years, acknowledged by IT Department.
• Minimum employment of 2-3 years required.

Income Proof for Non-Salaried Applicant/ Co-applicant/ Guarantor:

• Business address proof
• IT returns for last 3 years
• Balance Sheet and Profit & Loss A/c for last 3 years
• Business License Details (or equivalent)
• TDS Certificate (Form 16A, if applicable)
• Certificate of qualification (for C.A./ Doctor and other professionals)
• Bank Statement of all Business Accounts – Current A/c, Savings A/c,
Overdraft, if any.

• The advantage of opting for a home loan through Brigade is that the team ensures to be
with you throughout your journey. If at any point you face any kind of issue with the bank,
you can write to [email protected] or call the toll-free number - 1800 102
9480 (NRI- 96112 18222). Our home loan executives will be happy to help you.

• We advise you to learn more about the reduced rate of interest for female primary loan
applicants.

Post sanction, write an email to [email protected] attaching the sanction letter

and request for the necessary documents.
The same will be provided by Brigade within 7 working days.
In case the project has construction finance, Brigade may take an additional 2-3 days
to obtain NOC from financial institutes.

13
Upon receiving the home loan sanction letter, the following documents
are to be submitted to the bank:

• Copy of Allotment Letter • Demand Letter • Receipt of Booking Amount

• Cost Break-up • Sale Agreement • Aadhar No.
• NOC from Brigade • NOC from Lender • Tripartite Agreement

Allotment:

1. 10% of the Agreement Value + GST (if 2. An E-allotment letter, as well as the
applicable) has to be paid in order to payment receipt will be sent to you within
initiate the allotment process. Request you 7-10 days from the date of receiving the
to make the balance payment required to balance amount. The receipts are issued only
complete the 10%, through the Razorpay once the amount is credited in the Brigade
link shared by our sales executive. account. Hence, in some rare cases there
might be a small delay. We request your
cooperation. [In such cases, payment via
Razorpay is helpful since you get an imme-
diate acknowledgement of your payment].

3. Post internal signatures, you are required 4. 0.1% on Agreement Value or Rs. 20,000/-
to sign off on the e-allotment letter. It will be (whichever is lower), is payable towards
sent to your e-mail ID, as well as the other stamp duty charges to prepare the agree-
applicants’ IDs (as mentioned in the booking ment, which will be deducted from the
form). Once you have digitally signed and subsequent payment made by you.
submitted the letter to us, it becomes
available on the SignEasy platform and an
e-mail with the final Allotment Letter is
immediately sent to your registered e-mail
ID. Now, the allotment process is considered
complete and agreement formalities can
commence.
14
 Agreement
Within 10 working days of receiving your Allotment Letter, you will receive the e-agreement
BOOK
link on your registered email ID along with the demand letter as per your payment schedule/
milestone achievement.

BOOKING &
ONBOARDING 1. Complete the e-sign process (by all applicants from their respective email IDs,
as mentioned in the booking form) within 7 days of receiving the link. Once all
the signatories have completed e-signing, the document becomes readily
available on the SignEasy platform and the same is sent to you on your
registered email ID. We will courier the hard copy of the e-signed agreement only
on request from the customer. For home loan cases, the hard copy of the
agreements will be handed over to the banker along with other builder documents.
AGREEMENT
& COLLECTION

2. In the case of a manual agreement, two copies of the document will be sent
to the customer's registered communication address for signing. Complete
signing both the documents (by all applicants) within 7 days from the date of
receipt of the document. The executed Original Sale Agreement will be sent
to you within 7 workings days from the date of receipt of the same. For home
loan cases, the hard copy of the agreements will be handed over to the
REGISTRATION
banker along with other builder documents.

Once you receive the e-agreement link for e-signing, demand letters for the completed
milestones (if any) are also shared. You are required to make the necessary payment within
15 days. Hence, the customer is advised to get his/her finances in order and have knowledge
HANDOVER of the status of construction at the time of booking itself.

15
 Collection
For an under construction project, you will receive payment request letters to your
registered email ID for subsequent instalment payments, as per milestone achievement.

1. The payment is to be made 2. In case you have opted for a 3. The payment receipts are
within 15 days of receiving the home loan, you must forward the sent to you within 7 working
invoice. Please ensure payments payment request to your bank days from the date of receiving
are made in a timely manner to immediately from your registered your payment transaction details.
avoid delay-interest penalties. We email ID for them to disburse the
encourage you to make payments payments within the due date. Do
through the Razorpay link provided share the transaction details of your
in your Payment Request Letter to payments released from the bank
get instant acknowledgement from with us to account your payment
Razorpay. to your unit.
If you are making payments through
NEFT/RTGS, please share the UTR/
transaction details via email to
[email protected],
for the same to be credited in
your Statement of Accounts.

Q) I have not got a receipt for the last payment, post sharing the UTR/ transaction details.
What can I do?

Once the payment is cleared, you will automatically receive a receipt from crmteam@
brigadegroup.com. The receipt will also be available on the customer portal, MYKEY. In case
you do not find it, please write to [email protected] or raise a ticket on the portal.
Please provide a copy of the proof of payment when doing so as this will help us process the
receipt faster.

16
 The time between two consecutive construction milestones could change substantially
depending on a multitude of factors, including the construction methodology used for the
project, commencement of finishing activities in parallel, etc. Hence, certain milestones could
be achieved in a shorter span and the customer is advised to plan their finances accordingly.

Can I get a hard copy of my receipts/payment of account?

At Brigade, we have taken many initiatives to reduce our impact on the environment.
One such initiative is reducing the use of paper and paper products. We issue digital
receipts for all payments made. As a company policy, we do not print and send receipts,
payment requests or statements of accounts. These documents are readily available in
your customer portal. Fun fact: Single use plastic has been banned at Brigade offices
since 2018!

17
 Registration
Once the project receives OC (Occupancy Certificate) and your unit is QA (Quality
BOOK Assurance) certified, then it is eligible for registration. You will receive an intimation
via email once the unit is ready for registration. Final statement of accounts, including
balance payable, along with the registration charges will also be present in the email.
BOOKING &
ONBOARDING

Q) What is a Khata?

A Khata is essentially a revenue document, detailing the assessment of a property,

recording details about the property such as size, location, built up area and so on for
the purpose of payment of property tax. It is also a kind of identification of the person
who is primarily liable for payment of property tax.
AGREEMENT
& COLLECTION

• The registration documents are prepared based on the details as entered in the
agreement. However, if you wish to delete/ add the name of the applicant, a written
request may be submitted to Brigade. If a loan has been availed for the purchase
of the apartment, an NOC from the HFI/ Bank is required. Similarly, in case of a
joint booking, both parties should make the request in writing.

REGISTRATION
• Registration will be carried out only after receiving all payments towards the
apartment - the full agreement value, additional expenses, maintenance and
corpus fund, delay-interest fines (if any), etc., along with stamp duty, registration
charges and legal fee. Every effort will be made to facilitate the registration within
15-20 working days from the date of payment.

HANDOVER

18
 • In case of a bank loan, all above payments to be received except final disbursement from
bank. Do intimate the date of registration to your banker in advance to facilitate the final
disbursement and MODT (Mortgage of Deposit of Title Deeds), if applicable.

• Consenting Witness: The registration documents are prepared based on a standard

draft. In case you have entered into the deed of assignment, please check with your bank
if the consenting witness is required to be indicated in the registration documents. Also,
do note that if the bank / HFI insist, the first buyer may be requested to be present on the day
of registration.

• The details of the concerned sub-registrar’s office and the advocates who will facilitate
the registration will be shared with you via email. Please remember to carry a copy of your
PAN card, Aadhar (mandatory), passport copy (in case of NRI) for registration.

• In case of GPA**, the original GPA may be carried along with the above details of the
applicants. Your / GPA holder’s presence is mandatory for the registration process and the
GPA has to carry his identity proof (his PAN/ Aadhar). If it is a foreign GPA, the original GPA
must be adjudicated from the Indian Embassy at the applicant’s place and the same GPA is
to be adjudicated locally at the district sub-registrar office at the project location or where the
GPA holder resides.

• Please note, while we do try to get the registration process completed on priority basis,
the time slot for the registration process cannot be fixed. Hence, the customer is advised to
be available for the whole day to complete the registration.

• The registered sale deed will be handed over to the HFI / Bank (or the customer can collect
the same from our corporate office in case of self-funding) within 5 working days from
registration completion. Please give us 15 working days post registration for the unit to be
ready for handover.

*General Power of Attorney

19
 Handover
Once the unit is ready for handover, you will receive an email from our CRM/
BOOK Customer Care Service Team (CCS) to confirm your availability to welcome
you to your new home.

There will be a walkthrough with a CCS team member who will explain
BOOKING &
ONBOARDING the specifications and inventory in the unit on the day of handover.

1. On completion of walk 2. The snags, if any, pointed out

through, you will be requested by you will be addressed within
to sign a declaration and 10-15 days.
specifications list for the unit.
AGREEMENT
& COLLECTION

3. Post handover, the interior 4. Your project is managed with

work can commence. However, the help of a community app. You
you may have to pay for debris may download the relevant
clearance, electricity charges (if society management app from
applicable) and a refundable the Play Store/App Store and
caution deposit before a permit activate it with the guidance of
REGISTRATION
for interior work is issued. your Estate Manager. You can
avail and manage various
everyday services conveniently
and also raise service requests
through the app.

HANDOVER
Brigade typically maintains the project for a period of one year, after which the
responsibility of maintenance is transferred to the Apartment Owners Association.
The maintenance period for this project will be shared by the Estate or CCS
Team member.

20
 Defect Liability Period:

For the safety of customers, we do not permit visits to the construction site until OC is received.
But no worries! Builder’s Defect Liability Period commences from the date of notifying the
customer on completion of construction of the Apartment. In this 5-year period*, Brigade will
attend to structural defects, if any. Defects arising from normal wear and tear do not come under
the scope of maintenance under Defect Liability Period.

Brigade Plus is a one stop, hassle-free interior solution specially curated for you. Our
offerings include modular kitchens, wardrobes, electrical fittings and smart home solutions.
We use only premium quality products from trusted global brands. And what's more! With Brigade
Plus, you will have a moving-in experience like no other.

Why choose Brigade Plus?

• The Brigade Plus advantage is that we ensure that your interiors will be ready
by the time of your home handover.**

• Your house is ready within 60 days from design finalization. We treat each
project with the attention and care it deserves, staying committed to producing
high-quality output.

• We provide a 5-year warranty on manufacturing defects.

You, our esteemed customer, can sit back and choose from our diverse range of interior design
ideas all under one roof. We eliminate the process of dealing with multiple service providers,
allowing you to have a seamless experience.

*Subject to change | **T&C Apply

21
Owning a house is a matter of great pride and the Brigade Plus Team is here to make your
house feel like home!
For more details:
1800 103 5599 | [email protected] | www.brigadeplus.com

Referrals:

Help us build a community that YOU want around you! We at Brigade strive to provide you
with the best living experience. It gives us great joy when our existing family helps us expand
the community.

You can do so by referring your friends and relatives to Brigade Communities to

earn exciting incentives. Get a chance to earn rewards and benefits worth up to Rs. 4 lakhs.

How to refer your friends/family?

• While visiting the project site, the referred individual needs to mention the referee's
(you) name, as well as the project you reside in.

• Do drop an email at [email protected] as well, stating that your referral

<name> visited the <project name> site today through your referral, <your name>,
<project name>

• This ensures that the referral is logged in and the customer is tagged as your referral.

To know more about how referrals work, you may contact our Sales Team.

22
 Brigade Enterprises Limited, 29th & 30th Floors, World Trade Center,
26/1, Dr. Rajkumar Road, Malleswaram-Rajajinagar, Bengaluru - 560 055
T: +91-80-4137 9200 W: BrigadeGroup.com

This project is RERA approved. Visit rera.karnataka.gov.in for more details.